On a salary of ₹14 lakh in FY 2026-27 (AY 2027-28), you pay ₹81,900 under the New regime versus ₹2,26,200 under the Old regime (standard deduction only). The New regime saves you ₹1,44,300. The Old regime becomes cheaper only if your total deductions - 80C + 80D + NPS + home-loan interest + HRA combined - exceed ₹5,18,727.
₹14 lakh salary - tax at a glance
| Particulars | Amount |
|---|---|
| Gross salary | ₹14,00,000 |
| Tax - New regime (incl. cess) | ₹81,900 |
| Tax - Old regime, standard deduction only | ₹2,26,200 |
| Recommended regime | New (saves ₹1,44,300) |
| Break-even deduction (Old beats New above this) | ₹5,18,727 |
| Monthly in-hand (New regime) | ₹1,09,842 |
How the tax is calculated (New regime)
Taxable income after the ₹75,000 standard deduction = ₹13,25,000. It falls into these slabs:
| Slab · rate | Tax |
|---|---|
| Up to ₹4,00,000 · 0% | ₹0 |
| ₹4,00,000 – ₹8,00,000 · 5% | ₹20,000 |
| ₹8,00,000 – ₹12,00,000 · 10% | ₹40,000 |
| ₹12,00,000 – ₹13,25,000 · 15% | ₹18,750 |
| Tax on slabs | ₹78,750 |
| Health & Education cess (4%) | ₹3,150 |
| Total tax (New regime) | ₹81,900 |
Should you pick the Old or New regime at ₹14 lakh?
For most salaried people at ₹14 lakh the new regime wins because reaching ₹5,18,727 in deductions needs a home loan plus rent plus a maxed 80C - uncommon without a housing EMI. If you have all of those, run your exact figures below.
Your real tax depends on your 80C, HRA, NPS and home-loan interest. Add them and compare both regimes in seconds.
Calculate your exact tax →Frequently asked questions
How much income tax on a ₹14 lakh salary in FY 2026-27?
Under the new regime you pay ₹81,900 on a ₹14 lakh salary (after the ₹75,000 standard deduction). Under the old regime with only the standard deduction it is ₹2,26,200.
Which tax regime is better for a ₹14 lakh salary?
The new regime, unless your total deductions exceed ₹5,18,727. Below that, the new regime is cheaper by ₹1,44,300.
What is the monthly in-hand for a ₹14 lakh salary?
About ₹1,09,842 per month under the new regime, before any employer PF or other deductions.